Money Detective

Our story

Small Steps. Big Savings.

Money Detective began with a simple frustration: comparing bills felt like a part-time job I didn't have time for. So I created the practical tools I wished I'd had — making it easier to find better-value options and keep more of your money.

Since then, Money Detective has grown into a helpful resource for everyday savings, including grocery and shopping tips, cashback guidance, subscription audits and straightforward bill comparisons — all in one place.

Because saving money shouldn't feel like another full-time job.

Alex B

Founder, Money Detective

Downloadable templates

Spreadsheets That Actually Do the Work

Not another blank budget grid. Real dashboards, live charts, and a bank-statement importer built in — you just fill in the yellow cells.

✓ Works In Excel & Google Sheets ✓ Real Dashboards, Not Just Tables ✓ Instant Download

★ Flagship

Payday Buffer & Annual Bills Planner

"How much can I actually spend before my next payday?" — answered in one number, every pay cycle.

Works to your real pay cycle — weekly, fortnightly or monthly
Auto-spreads car rego, insurance & Christmas into per-pay contributions
Emergency fund tracker with progress bar
Bank statement import with auto-categorisation
Live Safe-to-Spend dashboard with charts

$19.95 one-time payment

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Household Bill Tracker

Every bill, one place — with an auto-warning before anything renews or lapses.

Flags renewals due within 30 days automatically
Converts any billing frequency to a true monthly cost
Visual dashboard — spend by category, at a glance
Bank statement import built in

$12.95 one-time payment

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Subscription & Cashback Tracker

See what you're really paying for — and what you're actually getting back.

Auto-flags subscriptions you've marked as unused
Cashback log with a running total across every platform
Visual dashboard — spend and earnings, side by side
Bank statement import built in

$12.95 one-time payment

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Debt Payoff & Savings Planner

A real month-by-month payoff simulation — not a guess. Know your actual debt-free date.

Snowball or Avalanche method, your choice
Freed-up minimum payments automatically roll to the next debt
Total interest you'll pay, calculated exactly
Visual payoff curve — watch the balance drop to zero

$14.95 one-time payment

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Couples' Shared Money Planner

Split bills fairly, and finally stop doing the maths on who owes who.

50/50, proportional-to-income, or custom % splitting
Automatic settlement page — exact amount, exact direction
Works with different incomes, no awkward conversations
Visual dashboard — shared spend by category

$14.95 one-time payment

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Low-Friction Budget

Three categories. One page. Built for when a normal budget feels like too many decisions.

Bills, Spending, Savings — nothing more to decide
One "Left This Week" number, no red warnings or guilt
Everything visible on one screen, no digging through tabs
Bank statement import, simplified to match

$9.95 one-time payment

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By completing this purchase, you agree to the Terms and Conditions and acknowledge the Privacy Policy.

The Money Back Guide

Stop Leaving Money On The Table

50+ real ways Australian households claw back thousands a year — no coffee-cutting, no giving up the things you enjoy.

Cashback apps & loyalty stacking, done properly
Fuel-price timing tricks that actually save $15–20 a tank
Government rebates most people never claim
Energy plan switching, explained in plain English
11 categories, all Australia-specific, all current

Commonwealth Bank estimates $10 billion in government benefits goes unclaimed by Australians every year — this guide shows you exactly where to look.

$15

one-time payment

✓ Instant download ✓ Read on any device ✓ Secure checkout

By completing this purchase, you agree to the Terms and Conditions and acknowledge the Privacy Policy.

50+money-saving
strategies

Get paid to shop

Cashback & Rewards Platforms

Free browser add-ons and apps that help you get more out of the money you're already spending — sign up once, then click through before you shop to make sure it counts.

✓ Free To Join ✓ Stacks With Sales ✓ Takes 2 Minutes

ShopBack Live

Cashback at hundreds of Australian retailers, plus regular bonus-rate deals.

TopCashback Live

Another major Australian cashback platform, worth comparing rates on big purchases.

Coupert Live

Auto-applies coupon codes and stacks cashback on top at checkout.

Honey Live

Browser extension that finds and applies the best coupon code automatically.

Capital One Shopping

Price comparison and cashback browser extension, plus deal alerts.

Learn More →

Did You Know?

Australia Has Billions in Unclaimed Money

Not a service we offer — just genuinely worth five minutes of your time. Money quietly gets left behind in old bank accounts, forgotten super funds, and lapsed insurance policies. It's checked for free through official government tools, no middleman needed.

$2.7 billion

Held by ASIC in lost bank accounts, shares & life insurance

$18.9 billion

In lost super, across 7.3 million accounts (ATO, June 2025)

7 years

Of inactivity before a bank account is flagged as unclaimed

Once money reaches ASIC, it's held indefinitely — some unclaimed accounts date back to the 1950s, and there's no deadline to claim what's yours. Each state also holds its own separate register for things like unpaid wages, bonds and refunds.

🔍 Search ASIC's Unclaimed Money (Moneysmart)

Lost bank accounts, shares & life insurance — free official search

🔍 Find Lost Super (via myGov)

Check the ATO's records for any super accounts you've lost track of

🔍 State Unclaimed Money Registers

Each state/territory has its own — this one's NSW, search "unclaimed money" + your state for others

Everyday savings

Shopping Hacks

Small habits that add up over a month — no coupon-clipping required.

At The Supermarket

Check the unit price (per 100g/L), not the shelf price — bigger packs aren't always cheaper.
Shop the half-price cycle — most staples rotate on sale roughly every 6–8 weeks.
Stock up on pantry basics only when they're on special, not out of habit.
Compare home brand vs name brand on staples like flour, rice, and tinned tomatoes — the gap is often bigger than the quality difference.
Shop with a list and a rough budget — unplanned trips are where overspending happens.
Check the reduced-to-clear section first for that day's meals.

Tips & Tricks

RACQ, RACV, and similar memberships often include discounted gift cards for major retailers — check before paying full price.
Electricity providers sometimes run their own rewards programs with discounted gift cards too — worth checking your account, not assuming there's nothing there.
Coles and Woolworths both run 10% off your shop once a month for eligible rewards members — time a bigger shop around it.
Boost offers in Everyday Rewards or Flybuys before you shop — they knock extra dollars off specific items that week.
Buy on special, not on impulse, then stack it with a cashback app for a second layer of savings on the same purchase.

Small Habits, Big Savings

Compare & Save

Electricity & Gas Bills

Car Insurance

Home & Contents Insurance

Mobile Plan Comparison

Internet & NBN Plan Comparison

Health Insurance

Subscription Audit

Bank Statement Converter

Small Steps. Big Savings.

Spreadsheets That Actually Do the Work

Payday Buffer & Annual Bills Planner

Household Bill Tracker

Subscription & Cashback Tracker

Debt Payoff & Savings Planner

Couples' Shared Money Planner

Low-Friction Budget

Stop Leaving Money On The Table

Cashback & Rewards Platforms

ShopBack Live

TopCashback Live

Coupert Live

Honey Live

Capital One Shopping

Australia Has Billions in Unclaimed Money

Shopping Hacks

At The Supermarket

Tips & Tricks

The Blog

Why Your Solar Credit Drops Off A Cliff

What To Check Before Switching Insurers

Five Subscriptions Worth Cancelling